Built by people who have run collections at national scale.

Our three co-founders spent decades inside India's leading banks and card issuers. Nextbit turns what they learned on the floor into technology that teams can use every day.

60+

years of combined experience across credit, collections, risk and recovery in BFSI.

Co-Founder, Director

Yogesh Pathak

BFSI leader with 19+ years at premier Indian banks

Yogesh Pathak High-impact BFSI leader with 19+ years of progressive executive leadership across premier Indian banking institutions, managing large-scale national portfolios and nationwide service delivery ecosystems. Proven authority across the complete credit lifecycle: underwriting automation, pre- and post-acquisition integrations, comprehensive Fraud Control Units (FCU), and multi-tiered collections ecosystems (tele-calling and field repossession networks). Recognized for conceptualizing, architecting, and scaling centralized mega-operations hubs from the ground up, aligning Business Planning & Analysis (BP&A) with rigorous regulatory compliance, policy governance, and cost optimization across PAN-India markets.

Underwriting automation
Fraud Control Units
Tele-calling & field collections
BP&A and compliance

Co-Founder, Director

Vishal Chhabra

23+ years in BFSI credit operations and collections

Vishal was Senior Vice President, Credit Operations at SBI Card and Head of Credit Card Collections at RBL Bank. He led PAN-India teams of more than 4,500 people across underwriting, operational risk and national field collections.

He directed the COVID-19 RBI restructuring task force, and pioneered automated underwriting and mobile verification.

Team led: 4,500+
Assets safeguarded: ~₹1,500 Cr
Auto-decisioning: 80%

Co-Founder, Director & Advisor

Shribasta Panda

Senior debt management and recovery leader, 18+ years

Shribasta has steered high-volume credit portfolios across the full delinquency continuum, from early-stage Bucket 1–2 interventions to write-off and hard-core recovery, consistently exceeding liquidation and cash recovery targets.

He enforces strict regulatory compliance and governance under FDCPA and RBI norms, and is skilled at customer query resolution, dispute turnaround, legal and settlement negotiations, and streamlining collection workflows across tele-calling and field operations.

Bucket 1–2 to write-off recovery
FDCPA & RBI compliance
Settlement negotiation
Collection workflow optimisation

One shared view of how collections really work.

Talk to the team that has done this before.

See how N-Collect and N Dial fit your collections operation.

Book a demo

Built by people who have run collections at national scale.

Our three co-founders spent decades inside India's leading banks and card issuers. Nextbit turns what they learned on the floor into technology that teams can use every day.

60+

years of combined experience across credit, collections, risk and recovery in BFSI.

Co-Founder, Director

Yogesh Pathak

BFSI leader with 19+ years at premier Indian banks

Underwriting automation
Fraud Control Units
Tele-calling & field collections
BP&A and compliance

Co-Founder, Director

Vishal Chhabra

23+ years in BFSI credit operations and collections

He directed the COVID-19 RBI restructuring task force, and pioneered automated underwriting and mobile verification.

Team led: 4,500+
Assets safeguarded: ~₹1,500 Cr
Auto-decisioning: 80%

Co-Founder, Director & Advisor

Shribasta Panda

Senior debt management and recovery leader, 18+ years

Bucket 1–2 to write-off recovery
FDCPA & RBI compliance
Settlement negotiation
Collection workflow optimisation

One shared view of how collections really work.

Talk to the team that has done this before.

See how N-Collect and N Dial fit your collections operation.

Book a demo

Built by people who have run collections at national scale.

Yogesh Pathak

Vishal Chhabra

Shribasta Panda

One shared view of how collections really work.

Credit lifecycle

Operations at scale

Governance first

Talk to the team that has done this before.

Built by people who have run collections at national scale.

Yogesh Pathak

Vishal Chhabra

Shribasta Panda

One shared view of how collections really work.

Credit lifecycle

Operations at scale

Governance first

Talk to the team that has done this before.